The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$47,167
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,634
−HK$1,491/mo
Today · 4.125%
HK$50,125
baseline
▲ 0.50% · 4.625%
HK$53,175
+HK$3,050/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,250/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,473
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,880
−HK$1,428/mo
Today · 4.125%
HK$55,308
baseline
▲ 0.50% · 4.625%
HK$58,223
+HK$2,915/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,616/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,600
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,361
−HK$1,789/mo
Today · 4.125%
HK$60,150
baseline
▲ 0.50% · 4.625%
HK$63,810
+HK$3,660/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,300/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,967
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,656
−HK$1,713/mo
Today · 4.125%
HK$66,369
baseline
▲ 0.50% · 4.625%
HK$69,868
+HK$3,499/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,738/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,034
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,088
−HK$2,087/mo
Today · 4.125%
HK$70,175
baseline
▲ 0.50% · 4.625%
HK$74,445
+HK$4,270/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,350/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,462
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,432
−HK$1,999/mo
Today · 4.125%
HK$77,431
baseline
▲ 0.50% · 4.625%
HK$81,512
+HK$4,081/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,862/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,901
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,542
−HK$2,683/mo
Today · 4.125%
HK$90,225
baseline
▲ 0.50% · 4.625%
HK$95,715
+HK$5,490/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,450/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,451
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,984
−HK$2,570/mo
Today · 4.125%
HK$99,554
baseline
▲ 0.50% · 4.625%
HK$104,802
+HK$5,248/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,108/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,498 · Scale 2, in force from 26 Feb 2026)